@DESDallasTX wrote:
@TiggerDat wrote:
Out of curiosity, for data points, which bank are these cards with?
I have two guesses, even though I think the first would be right. If I am correct then I think one reason they won't lower the rate is because you don't have cards anywhere else than that bank.
@They are with Capital One. I've have a Visa Sig card with them @ 14.99% for years. My other cards are with Discover and Citi.
I forgot who my second choice was, but you named the first one. CapOne is hard to get to move on many things, APRs are one of the hardest things for them to do anything with.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
